michael melina a fascinating case. he is a glass cutter from redding, mass., working as grandparents firm. they only had a few employees, and typically, they will have somebody that works outside of the small business provide the coverage. if your husband is employed by a corporation, you would get the health insurance for the corporation. the small glass cutting firm did not provide health insurance. michael went to the state and said he had been on the health insurance connector, which was this new agency formed for people like him. if you do not get insurance through your company, you do not qualify for government programs. you could go on to the connector, which is like a shopping mall for various insurance programs. he said i have a wife that is out of work, a mortgage, condominium fees, a car payment -- he detailed his expenses, and he said he cannot afford the six ended $28 for my monthly health- insurance -- $620 for my monthly health-insurance premium. if the state said we think you can, and you should buy thi